8 min read

Completing Your Onboarding

A step-by-step walkthrough of all 7 onboarding screens and what to enter in each.

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Step 1 — Personal Information
Enter your full name, date of birth, city, marital status, and number of dependents. Your age is used to calculate how many years you have until retirement. Your city helps with cost-of-living context.
Dependents (children, parents) affect your insurance gap analysis. Include anyone financially dependent on you.
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Step 2 — Income
Enter your monthly take-home salary (post-tax). If you have other income sources (freelance, rental, etc.), add each one separately. FUMONEY uses this to calculate your monthly surplus.
Enter post-tax (in-hand) salary, not your CTC. CTC includes PF, gratuity, and other deductions that are not actually spendable.
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Step 3 — Monthly Expenses
Enter all your fixed expenses (rent, EMIs, subscriptions) and variable expenses (food, transport, entertainment). Be honest — over-estimating expenses is safer than under-estimating.
If you are unsure about exact amounts, use your last 3 months' bank statement average. Even rough estimates work well.
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Step 4 — Existing Investments
Add your current investments: EPF balance, PPF balance, mutual funds, stocks, real estate, FDs, and gold. For each, enter the current value and your monthly contribution (SIP). FUMONEY uses this to show your current corpus. For Fixed Deposits (FD), PPF, NSC, and similar fixed-term instruments, you can also enter the maturity date. FUMONEY uses this to alert you before auto-renewal so you can consciously choose whether to reinvest.
For EPF, check your balance in the EPFO portal or your pay slips. For mutual funds, use your Groww/Zerodha/Kuvera portfolio value. Leave the maturity date blank for open-ended assets like stocks and mutual funds.
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Step 5 — Insurance Policies
Enter all active insurance policies: term life insurance, health insurance, critical illness cover. For each policy, you can enter: • Policy Name (e.g., 'LIC Jeevan Anand', 'HDFC Click2Protect') — for easy identification • Sum Assured — the cover amount • Annual Premium — what you pay per year • Next Premium Due Date — FUMONEY will alert you 60 days before it's due so your policy never lapses accidentally • Coverage End Date — when the policy expires • Maturity Amount — for endowment or ULIP plans, the guaranteed payout at maturity All fields except policy type are optional, but the more you add the smarter your dashboard becomes.
Do not include ULIPs or endowment plans as insurance — they are investments. Only include pure protection policies (term + health) for the Insurance Gap Analysis. You may still enter ULIPs under 'Other' to track their maturity amounts.
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Step 6 — Loans & EMIs
Add all active loans: home loan, car loan, personal loan, education loan. For each, enter the outstanding principal, interest rate, remaining tenure, and the monthly EMI amount. This powers your debt ratio score.
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Step 7 — Risk Profile
Answer 5–7 questions about your comfort with market volatility and investment horizon. Your answers determine whether you are Conservative, Moderate, or Aggressive. This affects the recommended asset allocation shown in your Dashboard.
Be honest. There is no right or wrong answer. A conservative profile is not bad — it simply reflects your comfort level and leads to a safer allocation.